Author Topic: Got a Credit Card Approved WITHOUT a Credit Pull!  (Read 2627 times)

Offline i3ond

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Got a Credit Card Approved WITHOUT a Credit Pull!
« on: July 26, 2011, 03:49:53 PM »
Today I called to get my Chase Business Continental card approved since it was denied for to many apps within 6 months.  I called and they couldn't pull my score because it was frozen.  But the CSR thought it was because my business was to new to be in the system or something.  So she manually entered my info and transferred some of my CL from my personal card and approved it.  They also sent it next day for free.  Although I do have a business checking and personal checking with chase.  that may have helped.  But no credit pull :)
« Last Edit: July 26, 2011, 05:42:23 PM by i3ond »
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Offline AsherO

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #1 on: July 26, 2011, 04:53:17 PM »
Today I called to get my Business Continental card approved since it was denied for to many apps within 6 months.  I called and they couldn't pull my score because it was frozen.  But the CSR thought it was because my business was to new to be in the system or something.  So she manually entered my info and transferred some of my CL from my personal card and approved it.  They also sent it next day for free.  Although I do have a business checking and personal checking with chase.  that may have helped.  But no credit pull :)

What bank was this?

Huge YMMV, most of the time I bet this wouldn't fly, you got lucky.
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Offline regalhome

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #2 on: July 26, 2011, 04:56:36 PM »
What bank was this?

Huge YMMV, most of the time I bet this wouldn't fly, you got lucky.
Today I called to get my Business Continental card approved since it was denied for to many apps within 6 months.  I called and they couldn't pull my score because it was frozen.  But the CSR thought it was because my business was to new to be in the system or something.  So she manually entered my info and transferred some of my CL from my personal card and approved it.  They also sent it next day for free.  Although I do have a business checking and personal checking with chase.  that may have helped.  But no credit pull :)

Offline AsherO

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #3 on: July 26, 2011, 04:58:42 PM »
@ regalhome

I missed that, thanks. I'm allergic to long (and sometimes long-winded) paragraphs ;)
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Offline i3ond

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #4 on: July 26, 2011, 05:44:46 PM »
Yeah, I think it was rather lucky. I wonder how many times this happens though.  I doubt many people tried before.
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Offline Dan

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #5 on: July 26, 2011, 06:13:21 PM »
Seems like you got really lucky.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline elikay

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #6 on: July 26, 2011, 06:26:33 PM »
Its a Your Mileage Must Vary.

Offline dirah

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #7 on: July 26, 2011, 07:42:40 PM »
I thought that a credit enquiry for the purpose of a business credit card anyways doesn't give you a hard pull.
Has this changed?
If not, what's the big excitement?

Offline Side incomer

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #8 on: July 26, 2011, 09:08:22 PM »
I have applied myself this year for 3 American Express cards, and 3 Chase cards, as well as the citi AA, plus a few inquiries that i wasn't approved, and strange when I spoke with Chase reconsideration, they told me they only see "4" hard pulls for this year on the Experian credit report.
How could that be??
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Offline i3ond

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #9 on: July 26, 2011, 11:24:00 PM »
I have applied myself this year for 3 American Express cards, and 3 Chase cards, as well as the citi AA, plus a few inquiries that i wasn't approved, and strange when I spoke with Chase reconsideration, they told me they only see "4" hard pulls for this year on the Experian credit report.
How could that be??
Amex didn't pull from Experian in your state?
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Offline AsherO

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #10 on: July 27, 2011, 12:14:42 AM »
I thought that a credit enquiry for the purpose of a business credit card anyways doesn't give you a hard pull.
Has this changed?
If not, what's the big excitement?

I didn't know this was ever the case. It's definitely not the case at this time.

I have applied myself this year for 3 American Express cards, and 3 Chase cards, as well as the citi AA, plus a few inquiries that i wasn't approved, and strange when I spoke with Chase reconsideration, they told me they only see "4" hard pulls for this year on the Experian credit report.
How could that be??

Did you apply for multiple cards with the same bank on the same day? That might explain it.
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Offline Dan

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #11 on: July 27, 2011, 12:17:56 AM »
I thought that a credit enquiry for the purpose of a business credit card anyways doesn't give you a hard pull.
Has this changed?
If not, what's the big excitement?
Business card utilization isn't reported on and doesn't count against your personal credit score.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Side incomer

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #12 on: July 27, 2011, 02:00:15 PM »
Did you apply for multiple cards with the same bank on the same day? That might explain it.
No. each inquiry was made separately.
The only thing I could think is that Amex didn't pull experian.
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Offline myb821

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Re: Got a Credit Card Approved WITHOUT a Credit Pull!
« Reply #13 on: July 27, 2011, 02:03:33 PM »
No. each inquiry was made separately.
The only thing I could think is that Amex didn't pull experian.
why dont u just apply for citi monitor for one dollar and check